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Will insurance cover damage on a vehicle that was insured but driven by an unlicensed driver?

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2005-11-19 17:32:20
2005-11-19 17:32:20

IF this person was driving with the permission of the "NAMED INSURED", listed on the declarations page, then they will likely be covered. It will depend on the policy language. HOWEVER, you need to check with your insurance company's claims department. There are rarely standard yes/no answers to coverage questions. Some things to consider: Age of driver Permission and how/when granted: For instance, let's say that this person resides in your household and are related to you. They are of age, but not licensed to drive. They did NOT ask permission to drive this vehicle for THIS specific event/time; however, in the past, you have given permission for this person to drive. The past events of giving permission CAN be construed to be 'implied permission.' I'm sorry, there are not usually easy answers to coverage questions. Even the scenario stated above is open to interpretation by the adjuster and, each question answered will likely generate more questions. Some portions of your policy you will want to review: Under DEFINITIONS: "insured" "relative" "household resident"... In Coverage Sections: "Who is Covered" or "Who is Insured" (each company can use slight variations in headings) then review how your collision coverage relates to these definitions. AGAIN, THERE ARE NO STANDARD, PAT ANSWERS TO COVERAGE QUESTIONS ON A POLICY. YOU WILL NEED TO SPEAK TO THE ADJUSTER ASSIGNED; THE ULTIMATE ANSWER COULD BE DEPENDENT ON A LOT OF ADDITIONAL INFORMATION.

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